About Deadly Clear

This blog site is for you - to make your opinions known and enable you to express your thoughts, insights, fears and be DEADLY CLEAR. The author of the blog has become more compassionate and socially enlightened with age after entering this world from a very brainwashed right-winged culture. My goal is to achieve perfection and share in Ho'oponopono which means to make things right.

NY AG fines Bank of America $42 million for fraudulent ‘masking’ scheme

Justice League


New York Attorney General Eric Schneiderman said it has reached a record $42 million settlement with Bank of America Merrill Lynch BAC, -4.52% over a fraudulent “masking” scheme in the bank’s electronic trading division. The bank told customers it was executing their orders in-house, but instead was actually routing them to ELPs (electronic liquidity providers), like Citadel, Two Sigma, Knight and others. The bank “masked” the deals by replacing the identity of the ELP with a code that indicated it was done by BofAML. “Bank of America Merrill Lynch went to astonishing lengths to defraud its own institutional clients about who was seeing and filling their orders, who was trading in its dark pool, and the capabilities of its electronic trading services,” Schneiderman said in a statement. The AG’s office found the bank had engaged in the practice starting in 2008, and that more than 16 million client orders…

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WELLS FARGO SHAREHOLDER ALERT: ClaimsFiler Reminds Investors with Losses in Excess of $100kof L ead Plaintiff Deadline in Class Action Lawsuit Against Wells Fargo

Justice League

NEW ORLEANS–(BUSINESS WIRE)–ClaimsFiler, a FREE shareholder information service, reminds investors that they have untilApril 16, 2018 to file lead plaintiff applications in a securities class action lawsuit against Wells Fargo & Company (NYSE:WFC), if they purchased the Company’s securities between January 13, 2017, and July 27, 2017, inclusive (the “Class Period”). This action is pending in the United States District Court for the Southern District of New York.

Read on.

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URGENT! Washington Homeowners Demand Governor Inslee reject Bill 2057 NOW!

We all need to be active – All across the USA.. Every legislator ought to have a copy of David Dayen’s Chain of Title! https://www.amazon.com/Chain-Title-Americans-Uncovered-Foreclosure/dp/1620971585

Livinglies's Weblog

By J. Guggenheim, LendingLies


The Washington State Legislature is one vote away from making changes to Bill  2057 that would be detrimental to homeowners.  The changes would clear the way for anyone, without proof, to claim to be in possession of a promissory note, and to make it a slam-dunk to foreclosure non-judicially.

The state of Arkansas masterminded this type of non-judicial rule, that allows complete strangers in nice suits, and in possession of well photo-shopped documents to waltz into court and claim ownership.  If this bill is passed, the servicer will provide doctored prima facie evidence consisting of a fabricated mortgage note, fake assignment(s) and even a perjured or deceptive affidavit from a servicer to establish the right to foreclose.

This bill will pave the way for banks to commit massive fraud with the homeowner having no defenses until after their home is foreclosed by a stranger who…

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David Dayen at the L.A. Times: One thing Democrats and Republicans apparently agree on: Destabilizing the banking sector again

Livinglies's Weblog


Next week marks the 10th anniversary of the run on Bear Stearns, the investment bank that collapsed under the weight of toxic subprime mortgages. Although JPMorgan Chase snapped up Bear Stearns for pennies on the dollar, this maneuver failed to stop the bleeding from the mortgage meltdown, leading to the biggest economic crisis in nearly a century.

That seems like a terrible political backdrop for the Senate to pass a bill that deregulates the banking sector. But that’s exactly what’s about to happen.

The Economic Growth, Regulatory Relief and Consumer Protection Act, which pro-regulation groups have called the “Bank Lobbyist Act,” advanced in the Senate this week with the support of 50 Republicans, 16 Democrats, and one Democratic-leaning independent. Bipartisanship, it seems, isn’t dead.

We’re witnessing a familiar swing of the pendulum: toward regulation when banks crash the economy, away from regulation when memories fade. The next…

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Just like the judicial pension investments loaded with MBS. NEITHER THE TRUSTS NOR THE PENSIONS EXIST. Won’t those judges be pissed in a few years? And who do they answer to at the end of this life for all the wrongful foreclosures they allowed and homeowners they screwed? Think there will even be any remorse?

Livinglies's Weblog

It’s always best to start at the beginning. All REMIC Trusts appear to be written up as common law trusts permitted under the laws of the State of New York or the State of Delaware. The problem with the REMIC Trusts is that they are not common law trusts nor trusts of any kind.

Consider the definitions available. Based upon a modicum of research all definitions of common law trusts can be summed up as the following:

trust is created by a settlor, who transfers title to some or all of his or her property to a trustee, who then holds title to that property in trust for the benefit of the beneficiaries. … Trusts have existed since Roman times and have become one of the most important innovations in property law.

So a common law trust must be created by a settlor.

The settlor is the party…

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Denied a Loan Modification or Refinance from Bank of America?

Spread the word, because you won’t hear this on the MSM.

Livinglies's Weblog

wright-schulte-logoThanks to Investigator Bill Paatalo for bringing this class action to our attention.



Bank of America Lawsuit Information

The U.S. Government introduced the Home Affordable Modification Program (HAMP) as part of the Making Home Affordable (MHA) plan to stabilize the housing market. Under this federal loan modification program, monthly mortgage payments were reduced by modifying components such as interest rates, maturity date, and even loan principal.

Several homeowners benefited from this loan modification program, but if you were a Bank of America customer you may have been wrongly denied this benefit. The U.S. Department of Justice has uncovered several facts suggesting that Bank of America intentionally delayed or wrongfully denied homeowners requests for refinancing their mortgage. B of A delayed or denied…

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Investigator Bill Paatalo: FOIA Request Reveals Servicer’s “Justification” For Fraud In Obtaining Limited Power Of Attorney From FDIC

Livinglies's Weblog

This FOIA response from the FDIC dated June 29, 2017 contains a request to renew CIT Bank, N.A.’s “Limited Power of Attorney” from the FDIC regarding the failed IndyMac Bank, fsb and IndyMac Federal Bank, fsb. The “Justification” for CIT Bank’s request states as follows:


We have undertaken a thorough review of our books, records, and existing loan files for all Group 2 loans and believe we have completed assignments into the appropriate entity for both portfolios where appropriate, available, and where such a need for an assignment is…

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OK, We Fabricated and Forged the Documentation. So What?

Livinglies's Weblog

As Bill Paatalo (who brought this to my attention) says: “You can’t make this s–t up.” Reality is much stranger than fiction. This marks the point where we have entered the Twilight Zone in law where the rule of law is just a guidepost not to be confused with the real rule of men.

Sheila Bair  was forced out of the Chairmanship of the FDIC by Geithner when it became obvious that this was a game she was unwilling to play. Even worse she was making her opposition public, essentially saying that the government was becoming complicit in a criminal conspiracy (not her exact words, publicly but evidence suggests she said exactly that to Geithner and probably Obama).

Let us help you plan your discovery requests and defense narrative: 202-838-6345. Ask for a Consult.
Purchase now Neil Garfield’s Mastering Discovery and Evidence in Foreclosure Defense webinar including 3.5 hours of…

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Ratification of Void Assignments to REMIC Trust is Clear Nonsense

From your lips to his honor’s ears!!!

Livinglies's Weblog

The Yvanova string of cases in California are based upon some vague notion of whether a void assignment (e.g., past the cutoff date) could be ratified by the trust, trustee or trust beneficiaries.

Firstly, the trust can only operate through a trustee. That is black letter law in every state. In REMIC Trusts the Trustee has no such power. If the Trustee attempted to do so it would not only be void, in accordance with the New York law allowing the creation of common law trusts, it would also be against the interests of the beneficiaries and for the interests of the Trustee, a claim that has been levied against U.S. Bank for example on multiple occasions.

Further, no trust exists under the laws of any state in which no assets are entrusted to the Trustee who is an active manager of actual assets. Since that description is accurate…

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Courts must stop ignoring these facts. Add this to the National Mortgage Settlement and various government agency Consent Orders mandating fraudulent (robo-signed), lacking actual bank officer signatures, be withdrawn and removed from state and court filings that have been ignored. We won’t be able to clean up the government until we enforce the court orders and completely remove and destroy all forged/fraudulent assignments/documents. And maybe in order to do that homeowners ought to continue to name and sue those people whose names have been used to forge the documents clouding the homeowners’ title.

Clouded Titles Blog

OP-ED — 

In March of 2012, all of the major servicers and the 49 States Attorneys General (except Oklahoma) inked an agreement wherein the servicers would stop the then-common practice of “robosigning” documents.  Six years later and it’s still going on.  I thought it best to clarify a few things before discussing where we are today.

Robosigning was a term referenced often by the late Kings County, New York Judge Arthur Schack, wherein he described the act of affixing signatures to documents in such a manner that: (a.) the signatures were illegible; (b.) the signatures could have been affixed by anyone [also known as surrogate signing]; (c.) contained information that was grossly distorted or misrepresentative [in HSBC v Taher_Schack, he noted that the address of the REMIC was at the same address as that of Ocwen Loan Servicing, LLC in Palm Beach County, Florida], and now Ocwen Financial…

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